This isn't so much an issue of who to insure with, it's WHAT to insure the bus as. As background:
I'm taking all the seats except for the first two rows out of the bus (the GVWR is under 26,000 as well), so that I don't need a CDL. I understand that I need to get the bus registered as something other than a commercial bus. However, to my knowledge, you have to have a kitchen, bathroom, etc. to get your bus insured as an RV? I'm not planning on installing these things.
So what should I register it as? Just a private bus? I've heard that there can be problems with that, is that true?

Insurance is cheaper as a motorhome. Get a weight certain from a truck scale. Get pictures of the inside and go to the tax office. It took about 30 minutes but mine is now titled as a motorhome, insurance is about 400 a year.

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Great nations rise and fall. The people go from bondage to spiritual truth, to great courage, to liberty, to abundance, to selfishness, to complacency, to apathy, to dependence, and back again to bondage.